1. To qualify for a Sussex County Habitat for Humanity house you must live or work in Sussex County, have a need for housing, be able to pay a no-profit, no-interest mortgage in the approximate amount of $400 per month, and be willing to partner.

2. The need for housing may be demonstrated by overcrowding, high rent, crime in the neighborhood, insect or rat infestation, inadequate water, electrical, heating or septic systems, unhealthy conditions, such as mold, or structural problems.

3. The ability to pay the no-profit, no-interest mortgage is demonstrated by having gross income within the following guidelines:

   2009-2010 Guidelines

   Family Size	Income not less than	Income not more than
   One	$17,100 Yearly ($1,425 Monthly)	$20,496 Yearly ($1,708 Monthly)
   Two	$17,100 Yearly ($1,425 Monthly)	$23,448 Yearly ($1,954 Monthly)
   Three	$17,100 Yearly ($1,425 Monthly)	$26,352 Yearly ($2,196 Monthly)
   Four	$17,100 Yearly ($1,425 Monthly)	$29,304 Yearly ($2,442 Monthly)
   Five	$17,100 Yearly ($1,425 Monthly)	$31,656 Yearly ($2,638 Monthly)
   Six	$17,100 Yearly ($1,425 Monthly)	$33,996 Yearly ($2,833 Monthly)
   Seven	$17,100 Yearly ($1,425 Monthly)	$36,348 Yearly ($3,029 Monthly)

4. A successful applicant family must also be willing to fulfill all of the requirements related to being a Habitat partner family.  Some of these requirements are:
   • Investing 250 hours per adult in "sweat equity" building your own home and the homes of other Habitat partner families.
   • Paying up to $2,000 in closing cost for your home.
   • Attending homeownership preparation classes.
   • Learning about construction and home maintenance.
   • Being a good ambassador for Habitat in the community so this important work can continue.

If you would like to learn more about homeownership, call us (302) 855-1153 or complete the online interest form and we will send you more information.